Verification APIs for Fintech & Payments
Onboarding and payout APIs for fintechs - UPI and VPA validation, penny drop, PAN and Aadhaar checks, and BIN lookups for card programmes.
Fintechs onboard at volume and pay out in real time, which makes every failed verification an operational cost rather than a compliance footnote.
These APIs cover the payments-specific surface - VPA resolution, penny drop and penny-less account checks, BIN lookups - on top of the identity set every regulated product needs.
No APIs match
Try a shorter term - or ask us, we may already have it.
Banking
- Bank Verification Hybrid APIVerify any Indian bank account with automatic routing between penny-drop and penny-less checks, so you get the fastest valid result every time.
- Bank Verification Penny Drop APIConfirm an Indian bank account is live and correctly owned by depositing one rupee and reading back the account holder name from the bank.
- Bank Verification Pennyless APIValidate an Indian bank account and fetch the account holder name without transferring any money, using real-time banking network data.
- IFSC Search APILook up any Indian bank branch by IFSC code and get the bank name, branch, address, city and supported payment rails in one call.
- Mobile to Bank APIFind the bank accounts linked to an Indian mobile number, so customers can confirm an existing account instead of typing one in.
- Penny Drop Initialize APIStart an asynchronous penny-drop verification and receive a reference ID you can poll, built for bulk and queue-based account checks.
- Penny Drop Verify APIFetch the outcome of an asynchronous penny drop using its reference ID and get the verification result with the account holder name.
- VPA to Account Details APIResolve a UPI VPA to its underlying bank account and holder name, verifying a payment address before you settle money to it.
Employment
Finance
Identity
- Aadhaar Validation APIVerify an Indian Aadhaar number instantly and confirm it is valid and in use, with essential identity insights for faster, safer customer onboarding.
- Aadhaar XML Verification APIVerify an offline Aadhaar eKYC XML by validating UIDAI's digital signature and extracting identity, address and photograph.
- DIN to PAN APIFind the PAN associated with a Director Identification Number, linking a director's corporate roles to their tax identity for KYB and due diligence.
- E-Aadhaar Verify APIExtract and verify Aadhaar details from an uploaded e-Aadhaar document, combining extraction with validation in one step.
- Email Check APIVerify an email address is legitimate and deliverable, filtering out disposable, invalid and undeliverable addresses before they enter your database.
- Email Verification Send OTP APISend a one-time password to an email address to begin verifying the customer controls that inbox, the first step of email ownership verification.
- Get Company Details APIGet a company's full MCA profile including charges, compliance status and director details from its Corporate Identity Number.
- Get PAN Essentials APIRetrieve a PAN holder's essential details, including name, date of birth and gender, to match a customer's identity against their PAN in seconds.
- IP Quality Check APIAssess an IP address for risk, returning ASN, ISP, geographic location and indicators of malicious activity such as proxies, VPNs and abuse.
- MNV Without OTP APIVerify an Indian mobile number and get subscriber and network details without sending an OTP, so customers are never interrupted during onboarding.
- MNV Without OTP Basic APIGet essential subscriber and network details for a mobile number without an OTP, in a lightweight verification call built for high-volume checks.
- Mobile to Address APIRetrieve address details linked to a mobile number, aggregated from telecom, utility and financial data sources, to prefill and verify customer addresses.
- Mobile to Name APIRetrieve the registered full name for an Indian mobile number using telecom and banking-grade sources, to match a customer's name to their phone.
- Mobile to PAN APIFind the PAN linked to a mobile number and name, validated against trusted telecom and financial sources, so customers don't have to type their PAN.
- Mobile to RC APIFind the vehicle registration numbers linked to a mobile number, validated against transport and insurance databases, for vehicle loans and insurance.
- Mobile to VPA APIMap a mobile number to its UPI virtual payment address and account holder name for quick payment verification before you send or collect money.
- PAN Aadhaar Link Lookup APIFetch a PAN's Aadhaar linkage status together with the masked Aadhaar number linked to it, confirming the PAN is operative for KYC and tax purposes.
- PAN Advanced V2 APICheck a PAN and confirm its validity, holder details and Aadhaar linkage status in a single advanced verification call built for full KYC journeys.
- PAN Comprehensive APIRetrieve extensive PAN card data for an individual, covering identity details, status and linked information in one call.
- PAN Lite APIGet the registered name for a valid PAN in a lightweight check, built for name matching during onboarding and bulk PAN validation at scale.
- PAN to DIN APIFind the Director Identification Numbers associated with a PAN, revealing an individual's company directorships for KYB and due diligence checks.
- Pan Aadhaar Link Status APICheck whether a PAN is linked to an Aadhaar number and get the current linkage status directly, since an unlinked PAN becomes inoperative for tax.
- Pan Aadhaar Link Verify APIVerify PAN-Aadhaar linkage against a specific Aadhaar number, confirming the PAN and Aadhaar pair a customer declared actually belong together.
- Pan Comprehensive with Aadhaar Check APIRetrieve full PAN data and validate the linked Aadhaar number in a single call, covering identity and PAN-Aadhaar linkage together for complete KYC.
- Pan Udyam Check APICheck whether a PAN is registered under the Udyam MSME system, confirming small business status from a PAN alone for MSME lending and schemes.
- Risk Analyzer APIDetect identity mismatches across a customer's data points and get a fraud risk assessment for the application, before you approve or onboard.
- Validate Email OTP APIValidate an email one-time password and confirm the customer controls the address they supplied, completing email ownership verification.
Merchant
- Company Name to CIN APIFind a company's Corporate Identity Number and registration status by searching its name in the MCA registry, without asking the business for its CIN.
- GSTIN By Pan APIRetrieve every GSTIN linked to a PAN, with the state and current status of each registration, to see a business's full GST footprint in one call.
- Mobile To Prefill APIPrefill a customer's KYC profile from a mobile number, returning name, contact details, addresses and demographic attributes.
- Mobile to MSME APIFind the MSME Udyam registration linked to a mobile number from official government and business registry sources, without asking for the Udyam number.
- PAN to Udyam Details APIFetch Udyam registration and enterprise details for a business using only its PAN, without needing the Udyam number, for MSME lending and onboarding.
- Udyog Aadhaar Verification APIVerify a legacy Udyog Aadhaar registration using its UAM number and retrieve the registered enterprise details, for older MSME registrations.
Mobile
- MNV Generate OTP APISend a verification OTP to an Indian mobile number and receive a reference ID for confirming the code and the subscriber details.
- MNV Submit OTP APIConfirm a mobile number by validating its OTP against the reference ID, returning verified subscriber and network details.
- Mobile 360 Profile APIBuild a complete identity, financial and business profile from a single Indian mobile number, in one aggregated API call.
Utility
Vision
- Aadhaar Masking APIMask the first eight digits of an Aadhaar number in a document image, returning a redacted copy that is compliant to store.
- Mobile Invoice OCR APIRead invoice details, customer and retailer information, tax amounts and asset details from mobile device purchase invoices.
- OCR Aadhaar APIExtract the Aadhaar number, name, date of birth, gender and address from a photo of an Aadhaar card, ready for identity verification.
- OCR PAN APIRead PAN number, name, father's name and date of birth from a PAN card image and return them as structured, verifiable data.
Use cases
What Fintech & Payments teams verify
Resolve a UPI VPA to account details before a payout
Validate a bank account without a debit using penny-less verification
Identify card issuer and network from a BIN
Verify PAN and Aadhaar during customer onboarding
Building for Fintech & Payments?
We will walk you through the APIs on this page and which of them your journey actually needs.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale